You May Qualify for a Special Enrollment Period

If you have a life change or special circumstance, you may be able to shop for a new health plan.

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Frequently Asked Questions

Q: I received a 1095-A from Washington Healthplanfinder. What is it, and what should I do with it?

The 1095-A is similar to other tax documents that consumers commonly receive, like the W-2 and 1099 forms, and you will need it to file your federal income tax return. This form helps to determine whether you received too much or too little financial assistance in paying for your insurance premiums each month.

For more information, visit Your 1095-A Statement.

Q: Why do I need to file my taxes?

When you signed up for health insurance, you had to estimate your income for 2014 to determine your tax credit. If you had changes in your income or household size throughout the year, it might have impacted the final amount of your tax credit. The 1095-A and IRS Form 8962 help you determine the final amount of tax credit due and also ensure that you have the opportunity to get a tax credit in the future. IRS regulations require that any customer who enrolled in a Qualified Health Plan with health insurance premium tax credits file a federal tax return using these forms.

If you do not file a tax return and reconcile the tax credit you received in 2014, you will lose the opportunity to receive a tax credit until the time that the IRS has confirmed that you have filed your federal taxes. Please note, it can take the IRS up to 10 weeks to process a tax return.

Q: Why did I receive letter 0012C from the IRS requesting information to reconcile advanced payments of the premium tax credit?

You will receive a letter (0012C) from the IRS if you filed your 2015 taxes but didn’t include Form 8962 to reconcile the premium tax credit you may have received to lower your monthly premium. If you want to continue getting tax credits in the future, you must correctly file your tax return and attach Form 8962.

Here’s what you need to do if you received this letter:

  • Read the letter carefully and respond on time
  • If you think the information in the letter is incorrect, explain what information you think is wrong
  • Provide a copy of your 1095-A, a completed Form 8962, and a copy of the corrected second page from your original tax return that shows the “Tax and Credits” and “Payments” sections
  • Do not file Form 1040X: Amended U.S. Individual Income Tax Return
  • Make sure to include a copy of the letter (0012C) with your response

For more information about the letter and what to do if you receive one, visit Understanding Your Letter 0012C.

Q: How do I get my 2014 year 1095-A? How do I request a correction to my 2014 year 1095-A?

You can get a PDF copy of your 1095-A from your Message Center and Quick Links in your Washington Healthplanfinder account. If you need to request a correction to your 2014 year 1095-A, visit www.wahbexchange.org/current-customers/your-1095-a-statement/1095-a-correction-requests. When filling out the form, select the check box “2014 coverage,” and make sure to describe the error.

Q: What can I do to be eligible again for health insurance premium tax credits?

First, file and reconcile your 2014 federal taxes making sure to use your 2014 1095-A Statement and Form 8962. Even if you don’t normally file an income tax return, if you received health insurance premium tax credits in 2014 you need to file a tax return. You cannot file a 1040-EZ.

It can take the IRS up to 10 weeks to process a tax return depending on how it is filed (paper vs. electronic). After you get confirmation that your tax return has been processed by the IRS, return to Washington Healthplanfinder and report the change that you have recently filed your taxes. Outside the Open Enrollment period, sign in to your Washington Healthplanfinder account and complete these steps:

  1. Click the Quick Link “Report a Change”
  2. Select “Yes” to the option “Something else has changed”
  3. Review and update the information in your application (if applicable)
  4. Submit your application
  5. Review your eligibility status and click “See If You Qualify”
  6. On the Special Enrollment Questionnaire, select “Yes” to the option “I have reconciled my taxes for a year that I had received health insurance premium tax credits”

This may give you a special enrollment period where you can get a new eligibility decision and apply any advanced premium tax credit you are eligible for to the health plan that you select.

Q: Can I choose a different plan since I’m not getting advanced health insurance premium tax credits anymore?

Yes. You can choose a different plan until April 23, 2016.  Sign in to your Washington Healthplanfinder account and complete these steps:

  1. Click “Select a Plan” or “Enrolled” under “My Household Coverage”
  2. Select and confirm your health plan

Your new health plan will begin April 1st if you select and confirm it by March 23rd. Health plans confirmed between March 24th and April 22nd will be effective May 1st. Selecting a new plan may result in a new deductible and/or cost-sharing reduction.

Q: How do I pay my monthly health and dental premiums?

You should pay your monthly premiums directly to your health or dental insurance company. If you have health and dental insurance provided by two different companies, you should make a payment to each company.

For more information, visit Making a Payment.

Q: Will I continue to receive monthly invoices/bills from Washington Healthplanfinder?

No. Your monthly bills will be sent to you by your health and dental insurance company.

If you were a customer before Sept. 2015, when you sign in to your Washington Healthplanfinder account, your payment history and past bills will be archived through Sept. 23, 2015. No payment history or bills after Sept. 23, 2015 will display in the “Payments” section of your Washington Healthplanfinder account.

For more information, visit Making a Payment.

Q: When should I report a life event or change in my Washington Healthplanfinder account?

You must report changes to your income, household, address, and health coverage eligibility as soon as possible. Reporting changes is important so that you get the right amount of financial help for your coverage.

For more information, visit Reporting Changes.

Q: I’ve experienced technical problems with my Washington Healthplanfinder account. What should I do?

If you’ve run into problems trying to enroll in health coverage through Washington Healthplanfinder, please call our Customer Support Center at 1-855-923-4633. Our representatives will help you resolve any issues.

For more information, visit Application Quick Tips.

Q: What if I forgot my Washington Healthplanfinder password or username? 

To reset your password, from the Washington Healthplanfinder homepage, click “Sign In” and then “Forgot your password.” Enter your Washington Healthplanfinder user name and the email associated with your account. A temporary password will be emailed to you which you will use to sign in. You will be prompted to change your password right away. If you don’t receive an email with your temporary password, check your junk or spam folder. If you tried to reset your password and were unsuccessful, contact Customer Support.

To get your username, from the Washington Healthplanfinder homepage, click “Sign In” and then “Forgot your username.” Washington Healthplanfinder will send you an email with your username so that you can sign back in to your account. If you tried to reset your username and were unsuccessful, contact Customer Support.

Q: I got a letter from my health insurance company telling me that my current health coverage will not be offered during the next coverage year, but a similar plan is available. What do I need to do?

During open enrollment, you can sign in to your Washington Healthplanfinder account to renew coverage for next year. You’ll have the option to confirm the health plan that your health insurance chose for you or shop for a different plan.

You’ll also get a letter from Washington Healthplanfinder with your new premium tax credit information. This letter will also explain the steps to renew your coverage for the next year.

Q: What does it mean to opt-out of coverage renewal?

This means you don’t want to renew your health insurance coverage for the next year. If you are eligible for auto-renewal, you will have the option to “opt out” from Nov. 1st to Nov. 23rd by clicking the Quick Link “View My Anticipated Eligibility.” If you don’t opt out, you will be auto-renewed in your health plan and you will get an invoice from your insurance company.

Q: Who should I include on my application?

Your income and family size help determine what financial help you qualify for. Include these people on your application, even if they are not applying for health coverage:

  • Yourself
  • Your spouse, if you’re married
  • Any children you are caring for who live with you
  • Anyone else you include on your federal income tax return

Anyone who lives with you that you don’t file taxes for will need to apply for health coverage on their own separate application.

Q: Who can get coverage through Washington Healthplanfinder?

To be eligible for Washington Healthplanfinder, you must:

  • Live in Washington state
  • Be a U.S. Citizen, national, or lawfully present immigrant
  • Cannot be currently incarcerated

For more information, visit Who Can Sign Up.

Last updated 4/12/16